Finding Health Insurance in Emmaus PA
Health insurance is a hot topic in conversation in Emmaus and around the country. People are tepid and wondering where they can find insurance that meets their needs. And often the biggest concern they have, can I afford it? Many national and local Emmaus companies have cut back or even cut out health insurance altogether. They just no longer provide it for their employees in some cases. In many instances, the seemingly ever-changing laws and shifting regulations only add to the confusion.
The HealthMarkets Randy Roberts Insurance Agency is the leading place to learn about and obtain affordable, customizable health insurance plans centered around your specific needs in Emmaus and the Lehigh Valley. Randy works hard to find the best coverage people need for their families at the best possible out of pocket cost.
HealthMarkets is serving the Lehigh Valley as a whole by agent Randy Roberts. This includes the areas of Emmaus, Bethlehem, Easton, Coopersburg, Northampton, and Pen Argyl, and more. As business owners, our agency understands the desire to find the best product for the best price. We always strive to ask the pertinent questions to be certain we're providing the right coverage for your life and family. Health plans are specifically tailored to individual family needs.
Choosing the Right Emmaus Area Insurance Plan
There are so many plans and different options to choose from. We specialize making you understand so you can cut through all the confusion. We make the calls, show you how the plans and costs really compare, and find the absolute, best insurance plan that fits your Emmaus family's needs.
Our services in Emmaus are completely free to you. No catch. Our help and expertise cost you nothing to learn and shop. We work with nationally recognized insurance companies to offer quality, affordable insurance both inside or outside of the ACA exchanges.
Available Emmaus Providers
- Highmark (ACA and non ACA)
- Capital Blue Cross (ACA and non ACA)
- Geisinger (ACA and non ACA)
- United Healthcare
- Faith Based plans
Types of Insurance Plans We Offer in Emmaus
- Individual & Family Health Insurance
- Medicare Plans
- Medicare Advantage Plans
- Medicare Supplemental Insurance
- Medicare Prescription Drug Plans
- Small Business Health Insurance
- Life Insurance
- Dental Insurance
- Vision Insurance
- Critical Illness Insurance
- Disability Insurance
- Accident Insurance
- Long-Term Care Insurance
- Wellness Products
- Insurance Terminology
A good deal of people consider the deductible to be the most important factor, but that is not always the case in the insurance puzzle. The deductible is the amount an insured person has to pay before the insurance policy actually takes over in paying. When the deductible is lower, the monthly payment is usually higher. The converse is also true, the higher the deductible is the lower the premium will be. If you have a large accident, major illness, or hospitalization event, the deductible is often reached very quickly.
Coinsurance consists of the percentage of medical costs you pay after your deductible is taken care of. So for example, your insurance policy may be written to cover 85% of costs, and you would be responsible for the remaining 15% in this policy. The out of pocket expense will generally cap at a maximum amount. After this the insurance will cover 100% of your medical costs. Insurance companies often negotiate rates with medical providers to provide lower rates than you would pay as a non customer.
The copayment is the amount of money you're responsible to pay when you visit your local doctor or health care provider. Your copayment can be lower if you agree to see only provides within a certain network or geographic area. Copayments can also be higher in some instances, such as when you need to see a specialist. When compared to the total cost of health insurance, for most people, copayments should not be a major consideration.
Unfortunately for you the consumer, a good deal of insurance plans have removed prescription coverage. Some now do provide it, but as an add-on at an additional cost. For those who routinely need prescription drugs, especially the less commonly needed drugs which are costly, prescription coverage may well be necessary. Prescription drug coverage does differentiate between name and generic meds. This may dictate limits and higher copays on name brand medications.
Max Out of Pocket Cost
This cost is very often extremely important to people we meet with. It is unfortunately a stressful question for many. We help to alleviate this stress by helping you understand what your total costs would be if you used your insurance to the limits. We make sure you're at ale to cover these costs and knowledgeable of them. Sadly, for a lot of people, knowing what their plan actually covers and how much of the cost they may have to pay is a rarity these days. We help to make sure this is not the case.
The monthly payment is the one thing most people are focused on, good or bad. We always strive to make sure your monthly rates are affordable. We can many times change a monthly payment rate by a lot if we alter other parts of the Health Insurance equation while still maintaining a healthy overall balance.
Supplemental plans are most used to remove gaps in health insurance coverage. Dental and Vision plans are supplemental, unbeknownst to some people. Hospitalization plans, Critical Care, and Income Protection can also be written into a health plan. These options cover the costs of a hospital visit, critical illness, or inability to work usually for these same reasons. These are not covered by other insurance in many cases. Think about what you would do if an accident or illness left you unable to work for an extended period of time.
Call the Randy Roberts HealthMarkets Insurance Agency today at (610) 419-0634 and let me find the right insurance for you in Emmaus, PA.